Open Enrollment for Retirees

The UnitedHealthcare^® Group Medicare Advantage PPO plan for your health care and prescription drug coverage, which will be offered to Medicare-eligible retirees and their Medicare-eligible dependents will continue to be available in 2025.

These plans are custom plans designed exclusively for Ramsey County retirees and should not be confused with individual UnitedHealthcare Medicare Advantage plans that might be available in your area.

UnitedHealthcare^® Group Medicare Advantage plans

The UnitedHealthcare Group Medicare Advantage plans are Medicare Advantage plans that deliver all the benefits of Original Medicare, include prescription drug coverage (Part D), and offer additional benefits and features. These plans are not a supplement plan and do not pay secondary to Medicare. All claims are submitted directly to UnitedHealthcare for payment, not Medicare. You will need to continue to carry Medicare A and B to be eligible for these new plans.

As a UnitedHealthcare Group Medicare Advantage plan member, you are offered benefits and services beyond what you will find with Original Medicare. You’ll have a team committed to understanding your needs, helping you get the care you need and assist you in managing your health. UnitedHealthcare will connect you to health and wellness resources and even help to schedule your preventive care, including arranging an Annual Wellness Visit. Below, you can find highlights of what the new plans offer.

• UnitedHealthcare^® HouseCalls – An in-home visit designed to complement your doctor’s care. A licensed and knowledgeable health care professional will review your health history and current medications, perform a health screening, identify health risks and provide health education.
• 24/7 Nurse Support – Speak to a registered nurse anytime about your medical concerns and questions.
• Rewards – Earn rewards for taking an active role in your health and wellness by completing and reporting certain health care activities.
• Renew Active^® – A fitness program for mind and body that’s designed for you and your goals, offered exclusively by UnitedHealthcare. Renew Active includes a free gym membership with access to our national network of gyms and fitness locations, at no additional cost to you.
• You can see any provider (in-network or out-of-network) at the same cost share, as long as they have not opted out of or been excluded or precluded from Medicare.
• Choose from thousands of pharmacies across the United States, including national chain, regional and independent local retail pharmacies.
• Renew by UnitedHealthcare^® – Our online member-only Health & Wellness Experience
• Virtual Visits – Live video chat* with a provider from your computer, tablet or smartphone — anytime, day or night
  • Virtual Doctor Visits – Good for minor health care concerns such as cough/cold, allergies, fever, flu or sore throat
  • Virtual Behavioral Health Visits – Good for behavioral health concerns such as stress and anxiety, or depression

For questions, contact UnitedHealthcare Customer Service toll-free at 1-844-588-5872, TTY 711, 8:00 a.m. – 8:00 p.m. local time, Monday - Friday.

UHC Premier and Standard Plan Benefits Summary

The UnitedHealthcare Senior Supplement with Prescription Drug Plan is a new offering for plan year 2025.  The Senior Supplement plan uses the Medicare provider network and pays secondary to Original Medicare.  

If you enroll in the Senior Supplement and Part D plan in 2025 you will receive two new ID cards, one for the Senior Supplement plan to be used with your original Medicare card at your medical provider/facility location and another card for your Prescription Drug Plan (PDP).  You will need to make sure you show your original Medicare card and your Senior Supplement card to all your medical providers when receiving services.

2025 Senior Supplement Medical Plan Guide

2025 Prescription Drug Plan Guide

Blue Cross and Blue Shield of Minnesota - Broad Plan (Aware network - $600 deductible 20% coinsurance plan)

Watch the BCBS Open Enrollment Presentation 

Medical coverage for retirees over 65 but not eligible for Medicare is available through the Blue Cross Blue Shield of Minnesota Aware $600 Deductible plan. It is the same plan in which active employees or retirees under 65 may participate. You must have coverage on yourself to cover your dependents. There are 4 enrollment tiers to choose from; Single, Retiree + Spouse, Retiree + Child(ren) or Family. Dependent children may be covered up to age 26 regardless of student status, place of residence, or marital status.

This plan provides in-network and out-of-network coverage. To obtain in-network benefits, you may obtain services from any Aware Network provider in Minnesota, or BlueCard PPO network provider outside of Minnesota. 

Benefits:  There is an annual in-network deductible (not applicable to preventive care or prescriptions) of $600 per person/$1,200 per family.  Preventive health care is covered at 100% for in-network providers; you pay 40% after deductible for out-of-network providers (except for prenatal care and well-child care to age six which are covered at 100%). Your office visit co-pay to see an in-network provider for illness or injury is $30 for primary care and $50 for specialists; to see an out-of-network provider you pay 40% after deductible.  Your co-pay if you visit an in-network retail health clinic is $10; to see an out-of-network provider you pay 40% after deductible.  Urgent care is covered after a $50 copay for in-network providers; or a $100 copay for out-of-network providers; emergency room care is covered at 100% after a $150 co-pay for in and out-of-network providers.  E-visits are covered at the same level as retail health clinic visits for illness or injury.

You pay 20% after deductible if you use an in-network inpatient hospital; or 40% after deductible for an out-of-network inpatient hospital.  There is an annual medical and prescription combined out-of-pocket maximum of $4,500 per person/$9,000 per family for in-network providers; and $9,000 per person/$18,000 per family for out-of-network providers.   The co-pay for Select Network retail pharmacies for FlexRx preferred generic drugs is $10, $15 for non-preferred generics, $25 for preferred brand, and $35 for non-preferred brand drugs.  A mail order pharmacy benefit is available to obtain a 90-day supply of prescription drugs for three co-pays. No coverage is provided for any prescription drugs from out-of-network providers.

Out-of-network benefits:  For Emergency Room and Emergency Medical Transportation services, the out-of-network benefit is the same as the in-network benefit.   For non-emergency care, you generally pay 40% after deductible for inpatient and outpatient care (of the allowed amount recognized by Blue Cross and Blue Shield of Minnesota) after you have met your deductible of $1,800 per person or $3,600 per family.  Costs incurred in excess of the allowed amount are the responsibility of the member (balance billing) and do not count toward the out-of-pocket maximum.  The out-of-pocket maximum for eligible out-of-network medical expenses is $9,000 per person/$18,000 per family.

Summary of Benefits Coverage:  A detailed Summary of Benefits Coverage (SBC) is available at www.ramseycounty.us/OpenEnrollment .  If you require a paper copy, you may contact Ramsey County Human Resources. 

Provider Information

The most current provider information is available on the Blue Cross Blue Shield of Minnesota website (www.bluecrossmn.com), or you may contact Blue Cross Customer Service at 844-348-0582. You can also search for a provider using the BCBS website and selecting the Aware network here.

By choosing this plan, you have access to MetLife’s PDP Plus network, and have a higher calendar year maximum.  Choose from more than 2,300 dentists in Minnesota and 130,000 nationally. Each time you make an appointment, you or your family member can select a dentist. Choosing a dentist in network provides the most cost-effective care and provides richer benefits.

Non-participating dentist –You can choose to receive services from a dentist who does not participate in the MetLife PDP Plus network. However, you pay your coinsurance as well as the difference between what the dentist charges and the allowable fee, which may result in significant out-of-pocket expenses. It is recommended that your dentist submit a pre-treatment estimate for services over $300 to MetLife to identify costs prior to receiving services

• Search for Providers in MetLife Select Plan PDP Plus Network

Choose from more than 2,300 dentists in Minnesota and 130,000 nationally. Each time you make an appointment, you or your family member can select a dentist. Choosing a dentist in network provides the most cost-effective care and provides richer benefits.

Non-participating dentist –You can choose to receive services from a dentist who does not participate in the MetLife PDP Plus network. However, you pay your coinsurance as well as the difference between what the dentist charges and the allowable fee, which may result in significant out-of-pocket expenses. It is recommended that your dentist submit a pre-treatment estimate for services over $300 to MetLife to identify costs prior to receiving services.

• Search for Providers in the MetLife Open plan PDP Plus Network